Finances : Insurance
Understanding the Long Term Care Waiver of Premium - Dec 12, 2009 - 7:45:25 AM

Depending on your long term care insurance policy, it may contain the waiver of premium provision. When a policyholder qualifies for waiver benefits, he or she is usually not required to pay premiums as long as certain policy requirements are met.

Finances : Insurance
Do Not Drop Your Life Insurance Because of the Economy? - Nov 23, 2009 - 7:53:58 PM
At present, many people are trying to save more money. However, after they reduce their grocery bills and their expensive Friday nights on the town, what else can they eliminate from their budgets?

Finances : Insurance
Understanding the Value of Long-Term Care Insurance - May 6, 2009 - 8:40:06 PM

In American, some people do not understand the importance of long term care insurance. Yet, long term care is among the highest health care cost in our country. As the human life expectancy continues to rise, we can expect more individuals to require long term care.

Finances : Insurance
The New Insurance Agent of the Millennium! - May 5, 2009 - 3:46:04 AM

Twenty years ago, it was not uncommon for an insurance agent to sell only insurance. Today, many insurance agents are more than insurance salespeople. Therefore, do not be surprised to find an insurance agent that discusses banking, investments, and insurance with you. Times have changed!

Finances : Insurance
Why We Need Insurance Education in High School? - Apr 21, 2009 - 4:48:01 PM

When human tragedies occur, people often rely on insurance companies to pay claims. Unfortunately, there is a lack of insurance literacy among many Americans, and some insurance agents would be included in this group.

Finances : Insurance
Unreasonable Excuses for not Buying Life Insurance - Apr 4, 2009 - 3:28:03 AM
In the event of their untimely demise, some individuals possess enough money to support their families without buying life insurance. Unfortunately, many people cannot afford not to buy life insurance if they desire to replace their loss of income because of an early demise. However, some people avoid buying life insurance, even if they need additional life insurance to protect their families.

Finances : Insurance
Why Insurance is not Gambling? - Mar 26, 2009 - 8:31:18 PM

Unfortunately, some of these individuals may also believe that buying insurance is the equivalent of gambling.  For those who own insurance products, are we really gambling when we purchase insurance?

Finances : Insurance
Insurance: Understanding the Basics of Insurable Interest - Mar 23, 2009 - 6:25:58 PM
In order to have a valid insurance contract, the owner of the insurance policy must have an insurable interest in the life of the insured. By definition, you automatically have an insurable interest in your own life because you are financially responsible for you.

Finances : Insurance
Do Not Drop Your Life Insurance Because of the Economy! - Feb 5, 2009 - 4:30:48 PM

People are not going to eliminate soap and deodorant from their budget, for individuals use soap and deodorant on a daily basis. However, they will drop their life insurance policies.

Finances : Insurance
Why Buy Term Insurance Now? - Jan 22, 2009 - 7:28:58 PM

People make excuses for not purchasing life insurance. And yes, maybe your finances do not allow you to afford a $250,000 universal life insurance policy, even if you are 30 years old. However, a term life insurance policy probably will fit into your budget.

Finances : Insurance
Free Online Insurance Quotes: What does it Mean? - Jan 21, 2009 - 3:24:25 PM

People enjoy looking for cheaper insurance, especially when it comes to term life insurance or property and casualty insurance, which includes auto and home insurance. Millions of people each month look up various search terms that involve the following words: free insurance quotes, insurance quotes, online insurance quotes, etc.

Finances : Insurance
Why Buy Term Insurance and Invest the Difference May Work in this Economy? - Jan 15, 2009 - 10:26:25 PM
Under most circumstances, I do not believe in the buy term and invest the difference approach to financial planning. However, the economy is in a major slump and your wallet may be in the same condition.

Finances : Insurance
Comparing Captive Insurance Agents vs. Independent Insurance Agents - Dec 16, 2008 - 11:24:01 AM
Many people have a preference concerning the type of insurance agent they choose. For some, the choice of an independent insurance agent is a must.

Finances : Insurance
Why Wait to Purchase an Individual Life Insurance Policy? - Nov 22, 2008 - 4:33:01 AM
In life, we all have a tendency to put some things on the “backburner.” We believe there are some responsibilities that can be dealt with at a later date, without the thought of consequences.

Finances : Insurance
Why are Online Insurance Quotes Popular? - Feb 4, 2008 - 8:32:49 AM

If you visit any of the popular search engines other than Google or a website that focus on business, insurance or finance and receives more than 1 million hits per day, there is a good chance you will see an advertisement for free insurance quotes. On a monthly basis, millions of consumers look up to the search term “insurance quotes,” including on searches driven by Google and Yahoo.

Finances : Insurance
The Pangs of Waiting to Buy Life Insurance! - Jan 15, 2008 - 10:13:03 PM

For some individuals, the subject of life insurance paralyzes them with fear. Still, none of us really want to think about our demise; however, one day our family or friends will have to say goodbye to us. Therefore, if you need life insurance coverage, it is important to make this purchase while you can afford it, need it and easily qualify for it.

Finances : Insurance
Why You Need Global Medical Insurance? - Jan 14, 2008 - 4:01:08 AM

If individuals, families or groups decide to live outside of their native land, they might find themselves without comprehensive medical insurance coverage. This could turn into an economic nightmare if someone has a medical emergency in a foreign country and lacks medical coverage that could defray some of the medical costs.

Finances : Insurance
What's My Credit Got to Do with It? - Jan 6, 2008 - 9:08:23 AM

According to a report by the Federal Trade Commission (whose mission is to protect consumers) credit history is an effective predictor of the claims risk of auto insurance applicant.

Finances : Insurance
Term or Permanent Life Insurance? - Jan 6, 2008 - 8:53:40 AM

Life insurance is a complicated subject that doesn’t make for fun, lively reading. But if you can stick it out and read this, you might just come out with an idea of what kind of life insurance you should buy: term or permanent.

Finances : Insurance
What does it mean that the U.S. is rated 37th in the world in health care? - Jan 6, 2008 - 8:35:56 AM

Back in 2000, the World Health Organization published a report that rated the U.S. 37th in health care worldwide, putting poorer countries like Morocco, Cyprus and Colombia further up on the list.

Finances : Insurance
How Your Dog Influences Your HomeOwner's Insurance Premium - Jan 6, 2008 - 8:17:19 AM

If you’ve ever shopped for a homeowner’s policy, you probably had to disclose whether you owned a Rottweiler, Pit Bull, Doberman, Chow, or German Shepard. (Sometimes even Dalmatians make the list.)

Finances : Insurance
The Low-Down on Leasing - Jan 6, 2008 - 8:09:54 AM

If you’re in the market for a new car, you’re probably considering your payment options alongside various makes and models. Television ads make leasing seem easy and more affordable than financing a car, but what’s the catch?

Finances : Insurance
Why is Auto Insurance Required? - Jan 6, 2008 - 7:56:24 AM

Of all of the personal lines of insurance, only auto insurance is mandatory. (To be more specific, it’s required if you drive a car on public roads. Those who ride the train or drive only on private roads aren’t obligated to get coverage.)

Finances : Insurance
Saving on Life Insurance: Comparing Quotes and More - Jan 5, 2008 - 10:04:02 AM

Life insurance isn’t a fun topic to discuss, nor is it a particularly exciting purchase to make. Most of us would rather spend our hard-earned dollars on fun things like cars, home improvements, and vacations.

Finances : Insurance
Medical Tourism: What You Need to Know - Jan 5, 2008 - 9:51:06 AM

Medical tourism is making headlines as of late, due to the increased numbers of Americans traveling abroad for medical procedures, ranging from dental work to open heart surgery. Why are so many crossing borders for health care? According to experts, it’s because medical travelers often receive treatment for one-tenth of the cost of treatment in the United States.

Finances : Insurance
Life Insurance Troubleshooting: Your Questions Answered - Jan 5, 2008 - 5:27:22 AM

Two things are true about life insurance: We don’t like to talk about it, and because of that, some of our life insurance questions go unanswered.

Finances : Insurance
Do You Need Life Insurance? - Jan 5, 2008 - 5:22:25 AM

Recent studies have shown that one-third of American adults lack life insurance. And of those insured, 40 percent don’t think they have enough.

Finances : Insurance
The Life Insurance Lowdown - Jan 5, 2008 - 5:17:21 AM

Life insurance protects the future of your loved ones in your absence, so it seems to be a no-brainer. But its complicated nature makes it anything but. So put on your thinking cap and check out these life insurance pointers.

Finances : Insurance
Insuring your Student - Jan 5, 2008 - 5:11:34 AM

You’ve gone on countless campus tours, stocked the fridge and helped them unpack. But have you thought about insurance?

Finances : Insurance
Lions and Tigers and Deer, Oh My! - Jan 5, 2008 - 5:07:46 AM

October through December is high deer season, during which there is a “dramatic increase in the movement of the deer population,” according to the Insurance Information Institute.

Finances : Insurance
How to Shop Online with Confidence - Jan 5, 2008 - 5:00:50 AM

E-commerce has come of age, but if you’re like a lot of people, you still get a little squeamish about typing your credit card or social security number into a form on a web site.

Finances : Insurance
Home Insurance Help: 5 Easy Steps to Taking Home Inventory - Jan 5, 2008 - 4:55:37 AM

While home insurance is an essential part of safeguarding your home and possessions, many policyholders let taking a home inventory fall by the wayside.

Finances : Insurance
Home Insurance FAQS - Jan 5, 2008 - 4:50:49 AM

A home is more than just a structure where you live. It’s where you keep your possessions, relax after a long day and keep warm on a cold night. It houses your family and all your memories. That’s why it’s important to protect it with insurance, so that if an unexpected event occurs, you are covered.

Finances : Insurance
Health Insurance 101: Your questions Answered - Jan 5, 2008 - 4:27:27 AM

Getting informed before you purchase health insurance is the best way to ensure the most affordable rate. Read on to shed some light on some of your tough questions.

Finances : Insurance
Speeding and Accidents: Inextricably Linked - Jan 5, 2008 - 4:20:14 AM

Maybe you’re running late, have a mild case of road rage or just love driving fast. At one time or another, the need for speed possesses us all. But before you stomp down on the accelerator, consider how speed affects your chances of an accident.

Finances : Insurance
Car Insurance: Money-Saving Tips - Jan 5, 2008 - 4:08:47 AM

Many people lament the purchase of auto insurance. So we’re here to make it less painful. Check out these six money-saving tips and take the sting out of buying insurance.

Finances : Insurance
5 Ways to Save on Home Insurance - Jan 5, 2008 - 3:55:14 AM

Homeowner’s insurance is an important part of protecting your most valuable investment: Your home! Homeowner’s insurance also protects your belongings—electronics, furniture and family heirlooms—from loss or damage.

Finances : Insurance
What Is the Life Insurance Suicide Clause? - Dec 25, 2007 - 5:39:56 AM

If you own a life insurance policy, there is a “the suicide clause” or something of a similar name in it; however, the word suicide is always mentioned. The purpose of the suicide exclusion is to discourage the insured from committing suicide; otherwise, if the insured commits suicide during the first two years of the policy’s existence, the beneficiary will not normally receive the life insurance policy’s face amount .

Finances : Insurance
Why Buyers of Insurance Should Read the Policy? - Dec 8, 2007 - 2:57:11 PM

Your insurance agent should always hand deliver the new insurance policy to you. Never accept the policy if the your insurance agent does not have the time to sit down with you and explain the policy’s costs, what is covered, the loan provision, in the case of a life insurance policy that builds a cash value, and how to file a claim. During this meeting, you should carefully read the policy on your own, and without interruption from your agent; otherwise, you might miss something that could haunt you or your family someday, if it is ever necessary to file a claim for benefits. As a buyer of insurance, you should always understand your insurance policy before signing that policy receipt.

Finances : Insurance
Long Term Care Insurance From Policy to Claim - Nov 23, 2007 - 7:28:28 AM

Unlike most insurance products, there is a very short history in which individuals have filed claims under long term insurance (LTC). Because of this reason, you should be aware of some of the typical items that will be required to file a claim. If these requirements are not met, it may be difficult to have a legitimate claim paid. Also, it is important to understand how policy benefits are paid, what triggers are necessary for care to be covered, the definitions of care (e.g. nursing home or home health care), and what health care providers may provide covered long term care.

Finances : Insurance
Why Do Creditors Offer Credit Life Insurance? - Oct 2, 2007 - 10:34:41 PM

Upon securing a personal loan, whether it be for new car or opening up a credit card account, the financial institution will likely present you with a credit life insurance offer. While the offer might appear tempting, you will need to understand what is the purpose of the policy.

Finances : Insurance
What is An Life Insurance Grace Period? - Oct 2, 2007 - 4:14:16 AM

Before an insurance company can lapse your policy for non-payment of premium, it must allow you, as the life insurance policy owner, an additional amount of time to pay the renewal premium. Generally, most states require insurance companies to maintain at least a 30 or 31 day grace period for its life insurance policy owners.

Finances : Insurance
What is An Insurance Quote? - Sep 24, 2007 - 4:07:26 AM

If you read a lot of financial or insurance related websites, you probably have come across an offer for a free insurance quote. Insurance companies also offer free insurance quotes through television and newspaper ads and insurance agents.

Finances : Insurance
What is a Level Term Insurance Policy? - Sep 23, 2007 - 6:41:30 AM

Most insurance companies offer several types of term life insurance policies. When an individual seeks temporary life insurance with a level face and premium amount, then the person is likely looking for a level term life insurance policy.

Finances : Insurance
Why You Should Keep Track of Your Life Insurance Beneficiary? - Sep 20, 2007 - 3:58:51 PM

Unlike most insurance policies, it is an guarantee that someone other than yourself will file a life insurance claim upon your death if you have an active policy. Therefore, it is important to keep track of your life insurance beneficiaries, and if one of them dies, in most cases, you will need to replace that beneficiary whether he or she is a primary or contingent beneficiary.

Finances : Insurance
Why Do Some Parents Buy Term Life Insurance When a Child is Attending College? - Sep 5, 2007 - 4:19:53 AM

There are some parents in America that purchase additional life insurance prior to their child entering a college or university. In many cases, these parents buy a term life insurance so that the child can continue his or her collegiate studies, even in the event of the parents’ early demise.

Finances : Insurance
Why you Should Keep Track of the Insurance Policies! - Sep 4, 2007 - 4:17:00 AM

After you purchase an insurance policy, you need to keep this document in a secure location. Further, it is important to notify your spouse, beneficiary, or other financial and legal representatives of its whereabouts; otherwise, they may not know to file a claim in the event of you being incapacitated or deceased.

Finances : Insurance
Why Do Insurance Agents Ask for Referrals? - Aug 31, 2007 - 3:02:08 AM

Sometimes insurance agents will ask you for a list of your personal friends or associates to set up appointments. This practice is often called “asking for referrals.” While your agent might annoy you by asking for referrals, there is a logical explanation for the referral process.

Finances : Insurance
What is Burial Life Insurance? - Aug 30, 2007 - 5:58:21 PM

Talking about death can be uncomfortable conversation. However, each person must face his or her own mortality at some time in the future. Burial life insurance is an insurance product that is designed for your beneficiary to pay or be reimbursed for your funeral and burial expenses.

Finances : Insurance
Insurance Resources Page 4 - Jul 29, 2007 - 5:33:51 AM
Insurance Resources Page 4